Cincinnati, OH · Cert 32284
FDIC
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Cincinnati, OH · Cert 32284
FDIC
Q1 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.82% | -2.03% | -1.96% | -1.84% | -1.77% | +5 bps | |
| Return on Equity | -48.96% | -57.06% | -58.17% | -57.56% | -77.36% | -2,839 bps | |
| Net Interest Margin | 2.49% | 2.56% | 2.69% | 2.76% | 2.22% | -27 bps | |
| Efficiency Ratio | 125.69% | 130.82% | 129.81% | 129.66% | 146.21% | +2,051 bps | |
| Non-Interest Burden | 3.47% | 3.75% | 3.90% | 3.97% | 3.67% | +21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.92% | -13.85% | -12.69% | -13.30% | -10.78% | +315 bps | |
| Loan Growth (YoY) | -15.11% | -15.56% | -15.93% | -14.83% | -14.19% | +92 bps | |
| Deposit Growth (YoY) | -13.77% | -13.08% | -11.51% | -12.52% | -10.67% | +310 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.38% | 0.46% | 0.63% | 0.45% | 0.43% | -95 bps | |
| Allowance / Loans | 3.59% | 4.12% | 4.34% | 4.59% | 4.81% | +122 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 7.13% | 6.46% | 5.84% | 5.46% | 4.85% | -228 bps | |
| Equity / Assets | 3.60% | 3.19% | 2.79% | 2.48% | 2.10% | -150 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.29% | 92.17% | 88.43% | 88.16% | 87.69% | -359 bps | |
| Liquid Assets / Assets | 10.95% | 9.79% | 11.00% | 11.24% | 11.55% | +61 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |